Fiduciary Oversight

Implement a Proactive Approach to Plan Governance

As a plan fiduciary, you have many responsibilities that can expose you to legal liability. Under ERISA law, a fiduciary is required to act prudently and in the sole interest of the plan participant, to diversify plan investments, and to act in accordance with the plan documents. We aim alleviate this burden by serving as fiduciary through Kestra Advisory Services, LLC. In this capacity, we work side by side with plan sponsors to help ensure fiduciary obligations are always met by implementing a highly disciplined process based on global fiduciary standards.

Phase One: Developing a Foundation

Our process begins by working with your Investment Committee to review all processes and procedures currently governing your retirement plan. Services we provide include:

    • Identify or establish Investment Committee
    • Examine plan design
    • Document prudent processes
    • Review all existing documents
    • Draft Investment Policy Statement (IPS)
    • Draft Education Policy Statement

Phase Two: Plan Maintenance

With a coherent process and procedure in place, we assist plan sponsors with meeting their fiduciary obligations throughout the calendar year. Services in our maintenance phase include:

    • Annual Fiduciary Plan Review
    • Annual 404(a) and 404(c) Review
    • Quarterly Investment Reviews
    • Fiduciary Education
    • Annual compliance test consulting
    • Regulatory updates and education
    • Maintenance of a fiduciary file via a secure, online Fiduciary Briefcase™:
      • Plan Documents
      • Service Agreements & Contracts
      • Investment Policy Statement
      • Investment Committee Charter
      • Meeting Minutes
      • Employee Communications
      • Quarterly Investment Reviews

A study of 400 plans found that investment choices offered by 401k plans was inadequate in 62% of the plans studied - that is 62% of plans studied did not offer effective diversification across broad asset classes.

— 2016

About Capstone Retirement Group

Capstone Retirement Group is a professional retirement plan consulting practice. We partner with plan fiduciaries to help identify and implement the optimal retirement plan for their organization.

7777 Leesburg Pike, Ste 401N
Falls Church, VA 22043
Tel: 703.291.8200
Fax: 202.747.5267

Investor Disclosures

Check the background of this firm on:

FINRA’s BrokerCheck

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Capstone Retirement Group is not affiliated with Kestra IS or Kestra AS.

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. Neither Kestra IS nor Kestra AS provides legal or tax advice. For additional information, please contact our Compliance department at 844-553-7872.